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Z�15��53 conn��tion with the laan exc�ed the permit�ed Iimits, then: �a} any suCh l�an char�� sha�i be reduced by the amount nec�ssary�a r�duce�he charge to the permitted li�nits and�1�� any sums already cv��ected from]3orrower which e��eeded permitted Ximits will be refunded to Barrav►rer. Lender ma.y chaase to rnake this refund by reducing the przncipa� �av�ed under the Note or by making a direct paymen� to B�rro�ver. �f a refund reduces principal,�he reduc�ian r�vill be�reated as a partial prepay�nen�wi�h�ut any prepE�.ymen�charge under the��te. Noti�es.:Any na�ice t� B�rr�wer pr��ided for �n this S�curit� �nstrum�nt sh��l� be g��en by de�xvering it or b�T rnailing i�b�first��ass mail Unless.�pplicable Law requires use�f ano�her metlaod.The na��ce shal�be d�r�cted�o the�'raperty Address or any other address Borrow�r designate�by notice to Lender. B�rr�wer agrees ��pravide Lender with Bflrrower's mos�current ma�l�ng address, as �t may change from t:ime-��-time. Any notice to I.ender shall be gi�en by first c�ass mail t�Lender's addre�s stated h�rein�r any.other a.ddress Lender designates by notice �o Borr�wer.Any��titice pravided for in�hi� �e�uri�y Instrument shal�be deemed�a ha�e been given to�orr�vver ar Lender when given as�ra�ided in this paragraph. Go��rning Lav�v; Sev�rability.This Secur��y�ns�rument shal�be�o�erned by i-�dera��aw and�he laws of the s�ate of Nebraska. �n �he"e�en� �hat any proUisian ar �lause of�his S�curi�y Instrument or the �ote conflicts wath Applicable Lavv,such conflict shali no�affect o�her provi�ians�f this Security�nst�-ument or the 1Vote wh�ch can be g��en effect wxthou��he canflict�ng pr��is�an. To�hi� end�he pr�visions of�h�s �ecurity�nstrument and�he�o�e are declared�o be se��erab�e. Barrower's Copy.Borrower shall be gi�en one copy af this Security�nstrum�n�. . Transf�r�f the 1'r¢�er�y ar a Benef�cia�Yntere�t in Borrflwer.�f aIl o�any par�of th�Property�r any interest �n i� is sold ar transferred �or if a beneficial in�e�est �ri Borrawer is sa�d ar transferred and �3orr��ver zs not a natural person} unle�s �he No�e shavvs �hat B�rrfl��er's �oan is� assumable, =Lender may, a� i�s option, require irnmediate payment �n fu�X �f all sums secured by �hxs S��uri�ty Instrument. However, this option sh�.1� n�t be exercised by L�nder if exercise is prohibi�e�by federal law as�f the date of this Securi�y Inst�-ument. If�he Not� shflws�hat Borrower's loan is assumable,Borravrrer mus�t�btain Lend�r's�vritten permission far an assump�ion and follor�v an}F�ther require�nents�f Lender rela�ed to an assumpti�n.Tf Borrovver does n�t do sv,Lender rnay requ�re immediate paymen��n ful��f all sums secured by this Security�nstrument. If Lender exercises �his ap�ion, Lender shall g��e Barrovver n��ice af accelc�ra�ion. The no�ice sha1l pr�vide a peri�d af na� iess �han�he rr��n�mum number�f da�r� e��ablished by Applxca��le La�v fr�m th� date �he nfltice is del�ve�ed ar mailed w�th�n which Barrower mus�pay all �ums secured l�y th is Security �nstrument. �f B�rrower fails t�pay �hese sums prior ta the expira�ian ❑f this period, Lender m.ay�nvake an�r�medies permi�ted by�h�s Security Ins�rumen�w�thout fur�her no�ice or demand on B�rrti�ver. Borrower's Right to Reinstat�. If Borrower mee�s �er�ain �ondi�ions, Borrower shal� ha�e the right �� ha�e enfarcemen�of this Security�nstrum�n� discant�nued at an��ime pr�or t��he earlier af �a} 5 day5�or�uch other periad as Applicab��Lavv may specify for reinstatement�befare sa�e of�he Prcfperty pursuan�t�any power of sale contained in �his S�curi� �ns�rume�t; ar �b� en�ry of a judgmen� �nfar�irig th�s�Secur��y Instrumen�. Those condit�flns are �tha�Borrower: �a}pays Lender al� sums wh�ch �hen vvauld he due under ��.is S�cur��y �nstrurnen� and the 1�ote as if no accele�ratian had �G�urred; ��} cures any defau�� af any �ther c�venants �r agreement�; �c} pays a�l expenses incurr�d in enfarcing this Security Instrur�►en�,including,but not limi�ed��,reasanab�e att�rneyst fees��the��ent permiited by�aw; and�d} �akes suc��action as Lend�r may�•easona�bly require to assure that the �iet�of this Securi�y Instrumen�, Lender's ri�;h�s in the Prop�rty and�3orrower'�►obligation t�pa��he sums secured by�h�s Secur�ty �[nstrument shall ca�ti�ue u��hang�d. Upon reinstatemen�by ]Borrow'er, th�s Se�ur�ty Ins�rurnen� and the obliga�ians secured hereby shali rernain fu�ly effec��We as if na accel��ra�ion had occurred. Howe�er, this r�ght t�reins�a�e shall nat ap�ly in the case af acceleration und�r�he sec�ion titled Transfer of the Praper��or a Sene�icial Interest in��rrawe�. Sale of I�Iote �hange af Loan Ser�icer. The Nate or a par�ial interest �n t�ie Note ��ag�ther Vvi�h th�s Security �n�trum�nt�ma�be so�d flne or rn�rre t�mes v�ithou�prior no�ice ta Barro�er. A sale may resul��n a change�n the en�x�y �known a� the "Laan Ser�icer"� ��at� col�ec�s perifldic paymen�s due� under �he N�te and this �e�urxty �nstrumen�. There alsa may be ane ar mQre�hanges of t��.oan Servicer unre�a�ed�o a sa�e flf the�Tdte.If th�re is a change flf�he Loan Ser�icer,Bflrrower w��l b�given wri�ten not�ce of�he c�-�ange in acc�rdance v�ith�he section �it�ed �atiee� and Applica�l�Law. The notice witl state the name and addre�►s of the nev�Loan Servicer and the address �o which paymen�s shou�d he made. The na�ice �il� also contain a�y other �nforma�ion required b� Applicabie Law. Hazardous Substan�e�.Borro�ver shall not cause��perm��he presence,use,dispasal,st�rag�,�r rel�as�of an�� Hazardous Substances on or in the Prop�r�y.Borrower sha�l no�do,n�r al�a�v E�nyone e�se tfl da,anyth�ng affecting the Praperty that is in �r�olation of an� En�ironmen�al La�v. The preced�ng tv�a sentences shall nat apply ta the presence,use,flr starage an the Proper�y of sma11 quantities of��a�ard�us Sub.�tances tha�are generall�recogni2ed to be appropriate to normal res�dentia�uses and�o main�e�anc��f the Pr�per��. Borrower sha�l prompt�y give Lender�vritten notic�of any in�estiga�ion,c�airr�, demand,Iawsui�or other ac�i�n�y any governmental or regulatory agency or pri�ate par�y in�ol�ing the Proper�y and any Hazard�us Substance or Environmenta� Law o� v�hich B�rro�rrv�r has ac�uai kn�w�edge. :If Borrawer learns, ar �s notif ed by any go�ernrnenta�vr r�gulatflry authori�}r,that any remo�ral�r other remedia�ion af any Hazardous Subs�an�e affec�ing �he P�-oper�ty �s necessary, Borrower �hal� pramptiy �ake a�� necessary rem�diai actions in accordar�ce with Fnv�ronmen�al Law. As used in�his paragraph, "Ha�ardaus Subs�ances" are�hose suhstances def�r�ed as tox�c ar ha2ard�us subs�ances �y En�ironmental Law and the following substances: g�.��line, �er�sene, cf�her flammable flr taxic p�tr��eum ��2�44-�Q]4 Coxnpliance Systems,Inc.�D64-D4E7-2013Z,�.1�.1.895 � Consumer Real Estate-Security Instrument DL203fi Pa�e�of d www.cornpliancesysterns.cnm